The meaning of portfolio loan actually refers to handling provident fund loans and commercial loans at the same time, and combining these two loan methods. Generally, when handling loans, if the lender pays the provident fund normally and meets the conditions of provident fund loans, he can give priority to using the provident fund to handle loans, and then apply for a loan portfolio if the amount is insufficient. When handling the loan portfolio, you can apply for provident fund loans and housing commercial loans through banks. If you choose a portfolio loan, then the applicant needs to bring his own contract and a copy of the developer's license, and bring his own ID card and provident fund card to the provident fund center to apply. When applying, you need to fill out an application form. Then it is approved by the bank, and the bank will calculate the loan amount. If everything is all right, then the applicant needs to go to the bank to sign a loan contract, and then go to the housing management department to handle the loan guarantee procedures. If there is no problem, the bank will eventually directly transfer the money to the developer's account.
2. What does a portfolio loan mean?
Portfolio loan refers to the borrower who meets the conditions of individual housing commercial loan and pays the housing provident fund at the same time. He can also apply for personal housing provident fund loans while handling personal housing commercial loans.
That is, the borrower can purchase the urban self-occupied housing (or other bank-approved guarantee methods) as collateral, and at the same time apply to the bank for personal housing provident fund loans and personal housing commercial loans.
Three, individual housing portfolio loan refers to (). A. Housing loan and decoration loan B. Buying two or more sets of loans C. Investing the loan funds into two or more businesses. ...
Correct answer: D.
Portfolio loan means that the borrower first applies for commercial loans with the required funds, that is, the total loan amount consists of housing provident fund loans and commercial loans.
I want to buy a house by combining loans. Let's explain.
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The combined loan amount here cannot exceed 60% of the house price. Please ask the maximum loan amount there first! I don't think your down payment is enough.